More than 8% of Americans (aged 18 to 64) have skipped, delayed or reduced the amount of prescribed medication because of cost concerns, according to the CDC.

Slightly upping default auto-escalation rates - from 1% to 2% - and escalation intervals in defined contribution plans could improve savings without discouraging participation, according to Voya research.

Employees want flexibility, inclusivity and recognition as part of their job path.

Many brokers and HR professionals maintain a high level of skepticism when it comes to considering whether a self-funded plan is the best solution for their employers.